know if

you'll recall, but where the industry suddenly went to having tied agents and independent advisors.

So you had a distinction between the two.

And there was a company called Scottish Mutual who decided that it was going to tie its flag to the mast of independent advisors and was looking for individuals that had a broad range of experience to come and work for them.

So I did.

And that's where I got my first taste of pensions because they were really a firm that was very much focused on the pension industry, whether it was GPPs, whether it was Kimp's comps back in the day and that kind of stuff.

And it introduced me to a bunch of advisors that were more focused on pensions and you pick up stuff, you listen to people and you learn things and you start to form views and opinions and mold your thinking.

So tell us a bit about why you did the report and what you think of the scale debate more generally, and we can have a sort of conversation around that.